Disability Insurance

An unexpected illness or injury can become an extreme financial hardship for your employees. Disability insurance helps protect against this by providing employees with an income that will meet daily expense in these situations. Employer-paid (group-sponsored) and government sponsored programs are generally cost-free to the recipient, although covering only certain categories of workers.

• Short-Term Disability coverage provides benefits for a specified period of time, usually 13, 26 or 52 weeks - up to a maximum of 5 years.
• Long-Term Disability coverage provides benefits that typically start after a 90-day waiting period and may continue until the employee reaches age 65.

In addition to group-sponsored plans, disability insurance can also take the form of private policies (paid for by individuals, also called voluntary plans) that protect income when there is no applicable employer or government program, or when those programs do not adequately meet income needs.

Disability Insurance allows your employees to protect their most important asset… their ability to earn a living!